XP Inc Results Presentation Deck

Retail Revenue and New Verticals Retail Revenue (in R$ mn) 1,844 4Q20 +48% 2,599 3Q21 2,725 4Q21 Highlights ▪ Stable take rate at 1.3% ¹, proving the resilience of our platform ▪ On 4Q21, Retail related revenues represented 88% of consolidated Net Income from Financial Instruments. Revenues from New Verticals (in R$ mn) % of total Revenue Pension Funds ■ 46 15 19 4Q20 1.8% 12 Credit Cards +387% 154 14 28 58 54 Credit 3Q21 4.6% (1) LTM Take Rate (LTM Retail Revenue / Average AUC). Average AUC = (Sum of AUC from the beginning of period and each quarter-end in a given year, being 5 data points in one year)/5 Insurance 7 224 18 46 74 86 4Q21 6.5% Highlights Exponential growth of 387% in one year, driven mainly by Pension Funds and Credit Cards XP Inc. 12

View entire presentation